Effective Thursday, March 19th, all Union State Bank locations will have limited public access until further notice.
Click here for more information.

*Effective Monday, March 30th the drive-up hours for Winterset and WDM will open at 8:30 am*
Please be sure to use our second drive-up lane in Winterset during peak sevice hours.

All closing and Saturday hours will remain unchanged.
Thank you for your patience as we do our best to help prevent the spread of COVID-19.
Click on the News tab below for additional limited public access information and a FTC warning on COVID-19 related scams.



USB offers many options to help you buy your next home or refinance your existing home. Maybe you have just enough money for a small down payment, want to save some money with a better rate, or you just want to explore the possibilities! USB is committed to helping your dream come true with quality service and competitive interest rates

APR: 4.007%

RATE: 3.875%



APR accurate as of

March 18, 2020


APR: 4.097%

RATE: 4.000%



APR accurate as of

March 18, 2020


*20 & 30 Year Conventional Rates - The Annual Percentage Rate (APR) is based on a loan amount of $150,000 with a 20% down payment, a 1% origination fee and common and customary closing costs. Monthly payments for a 20 year loan at 3.875% would be 240 payments of $889.12 (principal and interest).  Monthly payments for a 30 year loan at 4.00% would be 360 payments of $716.12 (principal and interest). Rates are not guaranteed until lock-in. Monthly payment does not include taxes and insurance: actual payment will be greater.

Per SAFE Act (Secure & Fair Enforcement for Mortgage Licensing Act), Union State Bank's MLO (Mortgage Loan Originator) Indentifier Numbers are as follows:



Jeff Gray, Senior VP & Loan Officer
                 NMLS #413222

Duane Gordon, VP & Loan Officer
                          NMLS #471740

Grant Northway, Assistant VP & Loan Officer
                           NMLS #1813809


Chris Coy, VP & Commercial Loan Officer 
                  NMLS #1472318